Vitals
  • Total Assets
    35.8M -9.2 %
  • Total Deposits
    8.1M -36.6 %
  • Total Net Loans
  • Net Income
    8.6M -20.4 %
  • Book Value
    23.8M 3.1 %
  • Book Value x2
    47.5M 3.1 %
  • Book Value x3
    71.3M 3.1 %
ROAA

31.734

ROAE

51.614

Efficiency Ratio

18.71

Net Interest Margin

.168

Balance Sheet Highlights
Financial Highlights Spirit Of America National Bank All Insured Commercial Banks in Ohio
Balance Sheet $(000)
Total Assets 35,820 331,611
Total Net Loans — 535,484
Total Deposits 8,064 265,188
Total Equity 23,768 31,901
Profitability
Net Income 8,638 86,835
Return on Average Assets 31.734 1.55
Return on Average Equity 51.614 8.907
Net Interest Margin .168 3.825
Efficiency Ratio 18.71 72.186
Noninterest Income/Revenue 99.569 34.205
Balance Sheet Ratios
Loan-to-Deposit — 80.233
Securities/Assets .966 10.353
Total Equity/Total Assets .664 .096
Tangible Equity/Tangible Assets .664 -4.596
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 23,768 28,461
Tier 2 Capital — 17,797
Total Capital 23,768 31,704
Total Risk Weighted Assets 7,568 221,139
Leverage Ratio 65.07 10.001
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 314.06 15.297
Total Capital Ratio 314.06 16.573

Timeline for Spirit Of America National Bank

Comenity Bank

Spirit Of America National Bank was acquired by Comenity Bank 14 years

View Profile Oct 30 2009

Spirit Of America National Bank

Spirit Of America National Bank was established 32 years ago and is currently headquartered in Milford, OH.

Sep 04 1991
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Comenity Bank Buyer 10,938,516 Acquisition Discontinued 10/30/2009
Relationships Role Relationship Start Relationship End
Similar Organizations
Organization City State Total Assets
The First National Bank Of Brownstown
 		Brownstown IL 36.3M
The First National Bank Of Primghar
 		Primghar IA 33.8M
Western National Bank
 		Cass Lake MN 35.1M
The First National Bank Of Gilbert
 		Gilbert MN 35.9M
The First National Bank Of Dozier
 		Dozier AL 37.6M
The State National Bank Of Groom
 		Groom TX 36.4M
The First National Bank Of Paducah
 		Paducah TX 39.7M
The Dublin National Bank
 		Dublin TX 31.9M
Gladewater National Bank
 		Gladewater TX 40.8M
The First National Bank Of Cunningham
 		Cunningham KS 33.3M